Any mummies can intro which H&S plan you bought for your LO? Do indicate why too. Many thanks. ?

Don't know what H&S plans mean, but with the previous reply, I'm guessing you're talking about insurance and savings? My son has the following plans: Life & ECI - AIA Hospitalization - AXA Hospital Income - AIA Personal Accident - AIA Endowment Savings - Prudential His plans add up to $265.25 monthly, $105.49 of which belongs to endowment plan! Most of his plans (and ALL of my own plans) are under AIA because I found a financial advisor who took great care of our financial needs and gave advice based on our financial situation, currently my go-to person whenever my friends/relatives/I need some financial help :) The key I'd say is to find an advisor who really cares for your needs, not just the commission they're getting - I currently have 5 financial advisors and 12 policies, even cancelled my policies with my cousin before because she just didn't care about the "after-service".